Group 1 - The core issue of aging population and changing demographics is crucial for individual social life, with projections indicating that by 2030, the population aged 60 and above in China will reach 350 million, leading to a family support ratio of 1:2 in 30 years [1] - The "insufficient family support," which includes burdens from children, lack of family care, and risks of living alone, is the main source of anxiety regarding retirement across all age groups, particularly affecting those born in the 70s and 80s [2] - Over 70% of families currently spend less than 5,000 yuan annually on retirement financial products, with 30% spending below 2,000 yuan, indicating a low willingness to invest in retirement savings due to high living costs for middle-income families [2] Group 2 - Recommendations from the report suggest a comprehensive approach to enhance retirement financial health, including the construction of a retirement financial system, public financial literacy education, innovation in diversified financial products, and the establishment of intergenerational family support systems [2] - There is significant room for optimization in China's pension insurance products, which should focus on inclusivity, safety, and long-term benefits, as current innovations are often driven by policy rather than genuine market needs [2] - Retirement planning should begin early and involve comprehensive cash flow planning for families, emphasizing the importance of a scientific savings plan based on income and expenditure levels [3]

二、养老金融健康的多维价值 当长寿时代遇上人口老龄化不断加剧的社会现状；当从容养老、品质养老的美好愿景遇上现 代家庭养老的种种挑战。那么，我们究竟该如何实现老有所依、老有所养？又该如何利用保 险等金融产品来确保家庭养老金融的健康？ 6月6日，由清华大学五道口金融学院《清华金融评论》携手中美联泰大都会人寿保险有限公 司（以下简称"大都会人寿"）联合主办。本次发布会汇聚养老金融领域专家学者及三百余企 业代表，共同探讨中国养老金融发展现状与未来。 在此次发布会中， 清华大学五道口金融 学院讲席教授、清华大学国家金融研究院国际金融与经济研究中心主任鞠建东 就"老龄化风 险下的中国家庭养老金融健康机遇与挑战"为主题做了开场致辞，为现场嘉宾勾勒出老龄化风 险下家庭金融健康发展的现状，并指明了破局的关键路径。 鞠建东在致辞中提到，面对日益加剧的人口老龄化趋势，亟需健全养老金融教育体系，夯实 国民养老金融素养，提升家庭金融健康水平。他认为，养老金融健康不仅关乎国家金融安 全，也影响家庭韧性与个人福祉，具有宏观、纵观与微观多层意义。他提出五个值得深入思 考的问题，涵盖制度划分、城乡公平、养老金融功能定位、社会目标协同及技术演进 ...